This demonstrates that Capital One’s business is growing but becoming less lucrative.

The company needs to do more to control expense and increase the more profitable aspects of its business. An obvious solution might be to find better ways to market credit cards; perhaps Samuel L. Jackson and Jennifer Garner’s salaries might be better spent elsewhere.

One obvious strategy would be increased investment in social media and more modern marketing. A potential solution might be sentiment based-social media marketing driven or directed by artificial intelligence.

More importantly Capital One is an open-sourced payment solution that pays a dividend. Its investors received a payout of 40¢ on February 9. They also took home a return on equity of 7.85% on December 31, 2016.